ColegeSmart

Ensure your child attends the BEST college at the LOWEST cost!
Have you ever done a job that seemed harder than it should have been, only to learn later that there is a
specific tool made for that specific purpose? As an experienced financial professional, it is important for
me to recommend “the best tool in in the toolshed” for the job at hand.
Let’s take 529 College Savings Plans for example. 529 Plans were specifically designed to be used as a a
college funding strategy, but does that automatically mean it’s the best tool for you? Are there no
negatives that may apply to you? Will this strategy give your child the greatest advantage when it comes
time to choose a college? 529 plans are very popular for a variety of reasons, but it’s important to know
ALL of the rules of the game, how this tool works, and how it applies to your situation, BEFORE
implementing any type of strategy.
In reality, there are pros and cons to every strategy. There is no silver bullet, and you can’t afford to find
out 10-15 years from now what you “should have done” or who you should have taken advice from. One
FREE Strategy Session with me will give you a good idea which direction you should go in.
Another example where recommendations are all over the map is insurance and annuities. Some
professionals will have you believe insurance and annuities are always the best solution and others will
tell you they are the worst. Of course, the truth is that these solutions are just tools in the toolshed.
Insurance is kind of like a wrench; it uses leverage as its primary strength and there are many different
shapes and sizes for different jobs. It is a very versatile tool, but if you need to use a hammer or a screw
driver, a wrench is not the best tool.
As you do your research in this area, I encourage you to find an honest and ethical advisor (and college
funding specialist) to help you develop and implement a plan to save for college. He/She will help you
maximize your dollars to give your child the best chance to attend the best college for them, at an
affordable cost, without incurring debt. Choosing an advisor to help you is an important part of your plan.
Final thought: As you are shopping around for advisors, please pay attention to whether an advisor makes
any type of blanket statement about whether a specific financial vehicle is the best or the worst in all
situations. This is a telltale sign that they either do not have that tools in their toolshed, or that it may be
the only tool in their toolshed. There is no tool that is always good or bad, but many financial
professionals and limited in what they can offer, which may not always be what’s in your best interest.
If you’d like a Free Strategy Session, please call me directly and we will set up a time to meet.
AJ DiLiberto,CFP®
714-421-3023
ajdajd1000@gmail.com
CA Ins License 0F06058

A.J. DiLiberto, CFP ®
AJ is a Certified Financial Planner TM who has worked in the
financial planning, wealth management and insurance
profession for over 33 years. Instead of working fast food
jobs like many of his friends in high school, AJ was inputting
financial plans, analyzing investment optimization reports,
and running insurance proposals for clients.
AJ currently serves as the COO, CCO and Senior Financial
Planner of Noble Wealth Management, an independent
wealth management firm in Orange County, CA. In this
capacity, AJ leads both the operations and compliance
departments, and also works with individuals and business owners in all aspects of
financial planning.
In 2012, AJ opened Fiduciary Planners Insurance to deliver honest and ethical
insurance advice and is a leading authority in health insurance, helping individuals,
families, financial professionals, and businesses to navigate the Affordable Care
Act and make the best health insurance decision for their family.
More recently, AJ teamed up with College Smart Strategies to give back and
advise parents how to best plan for college. With student loan debt now over $1.5
trillion ($1,500,000,000,000) and with college costs continuing to increase at an
average of 5%, it is essential that every parent understand the rules of the game so
they can win the game to ensure their child gets the education they deserve. AJ
understands the rules of the game quite well and has the experience to ensure each
family has a plan that works best for their unique situation.
As a parent of 4 children (and 2 grandchildren), AJ understands firsthand the
complexities and challenges that face Americans today. He is passionate and
committed to use his 33 years of experience to provide value, impact lives and help
people make the best decisions for their family.
AJ DiLiberto,CFP®
714-421-3023
ajdajd1000@gmail.com
CA Ins License 0F06058